| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK W. HOWARTH III3 | DBA TBG WEST INSURANCE SERVICE 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $104K | $69K | $173K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AV,E 5TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | $86K | — | $86K | 5.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 4.60% |
| USI INSURANCE SERVICES LLC3 | ATTN ACCOUNTING CENTER PO BOX 3716 NORFOLK, VA 235143716 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.43% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVE, 5TH FL. NEW YORK, NY 10016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.40% |
| K N & A INC.3 | 6720-B ROCKLEDGE DR., STE 140 BETHESDA, MD 20817 | SECURIAN LIFE INSURANCE COMPANY | $11K | — | $11K | 3.42% |
| RICHARD H. GUTCHEON3 | 62 LASALLE RD, STE 207 HARTFORD, CT 06107 | SECURIAN LIFE INSURANCE COMPANY | $11K | — | $11K | 3.42% |
| AMERICAN BAR INSURANCE PLANS3 | 321 NORTH CLARK ST, 14TH FLOOR CHICAGO, IL 60654 | SECURIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.03% |
| PROEQUITITES INC.3 | 2801 HIGHWAY 280 S BIRMINGHAM, AL 35223 | SECURIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 2.75% |
| LINCOLN FINANCIAL GROUP3 Filed as: LINCOLN FINANCIAL ADVISORS CORP. | 1300 S CLINTON ST, STE 105 FORT WAYNE, IN 46801 | SECURIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 2.75% |
| COMPREHENSIVE CORPORATE CARE LLC3 | 252 SEVENTH AVE, STE 9-F NEW YORK, NY 10001 | JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) | $23K | — | $23K | 9.60% |
| PHILIP T DAVIS3 Filed as: PHILIP T. DAVIS | 457 MAIN ST, STE 2C DANBURY, CT 06811 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 9.61% |
| SPECIAL RISK INSURANCE SERVICES INC3 Filed as: SPECIAL RISK INS. SERVICES INC. | PO BOX 1108 VOORHEES, NJ 080434161 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $20K | — | $20K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | — | $4K | $4K | 4.60% |
| K N & A INC.3 | 6720-B ROCKLEDGE DR, STE 140 BETHESDA, MD 20817 | MINNESOTA LIFE INSURANCE COMPANY | $10 | — | $10 | 1.56% |
| RICHARD H. GUTCHEON3 | 62 LASALLE RD, STE 207 HARTFORD, CT 06107 | MINNESOTA LIFE INSURANCE COMPANY | $10 | — | $10 | 1.56% |
| AMERICAN BAR INSURANCE PLANS3 | 321 NORTH CLARK STREET, 14TH FL. CHICAGO, IL 60654 | MINNESOTA LIFE INSURANCE COMPANY | $6 | — | $6 | 0.94% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 185 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 647 | $92K |
| Vision | VISION SERVICE PLAN | 1,213 | $276K |
| Life insurance(5 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 1,209 | $2.5M |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,206 | $3.6M |
| Other(3 contracts, 2 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) | 1,352 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,206 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.